When the carrier violates claim handling law — cite the statute, document the violation, demand compliance.
A bad faith demand letter is the most powerful document in a public adjuster's toolkit. It formally notifies the carrier that their conduct violates state insurance law and triggers statutory cure periods that can lead to extracontractual damages. PublicAdjusterTool generates a formally cited bad faith demand from your description of the carrier's conduct.
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A bad faith demand letter is a formal notice to an insurance carrier that their claim handling conduct violates state insurance statutes — including failure to acknowledge, investigate, or pay a claim within statutory timeframes, or unreasonable denial of a covered claim. In many states, sending this letter is a prerequisite to filing a bad faith lawsuit and triggers a statutory cure period.
Describe the damage or situation in plain language. The AI writes the professional document — formatted, cited, and ready to send.
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Other documents public adjusters use alongside this one.